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Company Analysis

Bank First Corporation BFC

A comprehensive view of key metrics, scores, and financial health for Bank First Corporation

Overview of Bank First Corporation

BFC NCM
Financial Services Banks - Regional Small Cap
Bank First Corporation (BFC), is a Small Cap company, in the Banks - Regional industry, last closed at $135.44, about 51.2% overvalued vs fair value, +32.7% 1Y return, placing in the top 10% of its sector.
$135.44
0.53%
As of March 13, 2026
Previous close • Vol 90d: 26.2%
52-Week Range
Market Cap
$1.52B
Enterprise Value
$1.51B
Overall Score
Scores locked

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Top Beats

Quick Facts

Website https://www.bankfirst.com
HQ Manitowoc, WI
Employees 500
Fiscal year Dec 31

Next Events

No upcoming events available.

Fair Value Snapshot

Bear Base Bull
$37
$66
$124
Current: $135.44 -51% vs base

Engine Room Money Flow™

Small Cap

Financial Services - Where revenue goes and how value is created

Flow Steps
Interest Income
$206.4M
13.1%%
Interest Expense
$70.1M
Net Interest Income
$137.8M
3.2%%
Total Revenue
$240.4M
55.5%%
Money Flow Bridge
Flow Direction: Money moves from left to right
Components: Breakdown shows composition of each stage
Industry-Specific: Financial Services

Quality & Reliability Indicators

Return on Equity
10.2%
Good

Net Income / Equity - key bank profitability metric

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Owner's Pocket - Capital Allocation

Total Returned to Shareholders

Combined dividends, buybacks, and debt reduction

$79.4M
121.8% of Net Income

Where It Leaks

Cash Flow Health some concerns
Moderate efficiency issues detected. Review active leaks below for improvement areas.
1
Active Leaks
0/1
Improving
1
High Impact
0
Critical
Moat Analysis Bank Specialized

Competitive Advantage Assessment

Evaluating Bank First Corporation's durable competitive advantages across 6 defense dimensions

Overall Moat Strength
78
/100
Strong
Scores based on quantitative metrics and qualitative factors

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Deposit Franchise

Moderate
70
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For informational purposes only. Not investment advice.

Trade-Off Ledger™

Where management spends the performance budget - Growth, Profitability, or Safety

Banks (Regional & Diversified) vs Industry Peers 91% Coverage
Trade-Off Triangle Visualization A ternary plot showing BFC's balance between Growth (23.0%), Profitability (39.9%), and Safety (37.1%). Growth 23% Safety 37% Profitability 40%

Click axes to expand details. Marker shows current allocation.

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Growth

46th percentile vs peers
47
Key Signals
Revenue CAGR 3Y 26.7% 78p Rev Growth YoY 55.5% 48p Asset Growth YoY -1.7% 13p
Strengths
  • Operating Margin in top 20% of peers (36.7%, 88th percentile)
  • Roa in top 20% of peers (1.5%, 87th percentile)
  • Net Profit Margin in top 20% of peers (29.7%, 92th percentile)
  • Roa in top 20% of peers (1.5%, 87th percentile)
Risks
  • Asset Growth Yoy in bottom 20% of peers (-1.7%)

Profitability

81th percentile vs peers
82
Key Signals
Strengths
Risks
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Safety

75th percentile vs peers
76
Key Signals
Strengths
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Two Futures

Scenario-based fair value ranges for Bank First Corporation.

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Unable to Compute Fair Value

This company cannot be valued using standard models.

What this means: The Scenario Theatre requires financial data (revenue, cash flow, shares outstanding) to calculate fair value estimates. This data may be unavailable for:

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  • Shell companies or holding companies
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Bear
-
- - -
- upside
-
Base
$66.12
- - -
-51.2% vs current
Snapshot base estimate
Bull
-
- - -
- upside
-
Fair Value Range Current: $-
$- $- $-
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